Credit Card Guide
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Each week, credit expert Eva Norlyk Smith answers questions from readers. Please note that it may not always be possible to answer every question or respond to individual inquiries.


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Travelers: Say 'No' to Paying in Dollars

It may seem like a great convenience to pay credit card charges in dollars when traveling abroad, but beware of the downsides

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Getting Off the Balance Transfer Merry-Go-Round

Denial may work when you have enough income to pay your credit card balances down once they get too high. But on a Social Security income, you won't have that luxury

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Can I Remove Myself as a Credit Card Co-Signer?

Co-signing can be a great way to help a loved one take his or her first step down the credit path. But once you're on the account, it can be tricky to remove your name from it

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One False Move Can Ruin a Balance Transfer

It is possible to save money with 0 percent APR balance transfers, but to do so, you do need to make all the right moves

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Closing a Credit Card Doesn't Always Hurt Scores

She wants to cancel her oldest credit card, but doesn't want her credit score to suffer. Our expert explains how to limit the damage

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Credit-Sharing Tips for Newlyweds

Just because you're ready to share your life with someone doesn't mean you have to share credit. Even married couples need some financial breathing room

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How to Rebuild Credit after a Short Sale

Qualifying for a mortgage after a short sale can take as little as two years. In the meantime, you need to focus on rebuilding your credit. Here's how

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No Magic Shortcut for Erasing Credit Card Debt

Credit cards make it easy to charge first and ask questions later. However, there are no magic shortcuts for erasing credit card debt

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Piggybacking Won't Always Help Your Credit

Becoming an authorized user on a credit card account with a bad payment history will hurt your credit, rather than help it

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